the city club will host an roman, president and ceo of the national association to end homelessness. please visit our web site, ski club.org, for information about our upcoming forum or to listen to a podcast of any of our past programs. we'll like to welcome guests from human in humana care, and mutual. thank you for your support. we would like to welcome to today's programs students who are joining us from area high school. student participation is made possible by a generous gift from the chars sparr trust. will the students please stand and be recognize it. [applause] >> now we would like to return to our speaker for our traditional city club question and answer period. we welcome questions from everyone, including guests, holding the microphone today is program directer kerry miller, may we have our first question, please. >> mr. broussard, you talked about the complexities facing the average american patient, the american medical system, certainly are complex. with the new insurance exchanges coming in the next year or so that will certainly not make it more complex. my questio